Toyota Tundra Insurance Rates

The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.

In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.

You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.

Estimated insurance prices for a Toyota Tundra are $1,442 every 12 months for full coverage. Comprehensive insurance costs approximately $306 each year, collision costs $506, and liability insurance costs around $450. Liability-only insurance costs as low as $518 a year, with high-risk driver insurance costing $3,106 or more. Teen drivers pay the most at $5,420 a year or more.

Average premium for full coverage: $1,442

Premium estimates by type of coverage:

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These rate differences show why all drivers should compare prices using their specific location and their own driving history, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows estimated Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $843
• Using higher $1,000 deductibles will save $182 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,442
• Choosing low deductibles for physical damage coverage costs an extra $358 a year
• Drivers with multiple violations and an at-fault accident could pay around $3,106 or more
• An auto insurance policy to insure a teen driver can cost $5,420 or more

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Tundra.

Choosing high deductibles could cut prices by as much as $540 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $405 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 131% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,060 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for More Affordable Toyota Tundra Insurance

Finding better rates on Toyota Tundra insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a summary of the information raised in the charts and tables above.

• Drivers can save around $170 per year simply by quoting online in advance
• Teenage drivers are the costliest to insure, as much as $452 per month if full coverage is included
• Increasing policy deductibles could save as much as $550 each year
• High-risk drivers who have multiple accidents or major violations may pay on average $1,660 more per year for auto insurance
• Drivers who purchase higher levels of liability will pay about $500 each year to increase from 30/60 bodily injury limits to a 250/500 level

Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.

What problems do Toyota Tundras have? The most common issues reported to RepairPal included:

• Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
• Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
• AIR injection Pump failure (136 people have reported this)
• Oxygen Sensor May Fail (123 people have reported this)
• All other reports issues were under 30 reports.

Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.

What are the safety ratings of the Toyota Tundra?

The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Marginal
• Small overlap front (passenger-side): Poor
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.

Toyota Tundra Compared Against Other Vehicles in the Same Class

Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment. 

Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.